Are partial or residual disabilities covered under disability income insurance?

Many comprehensive disability policies include a residual or partial disability benefit that pays proportional benefits when income drops due to a partial disability, rather than requiring total inability to work. For example, if a disability reduces your income by 40%, a residual benefit would pay roughly 40% of your maximum benefit. This feature is especially important for progressive illnesses, recurring conditions, or disabilities that limit hours or productivity without stopping work entirely.